You certainly hope that you never experience a fire in your lifetime and the odds may not be in your favor. According to the NFPA Fire Analysis and Research Division, American households experience at least one home fire every 15 years. Although most of these incidents are considered minor and are usually not reported. One in every five fires may require a call to a local fire department. If your home experienced a fire, you should get in touch with a public adjuster in Port St. Lucie.
Protecting Your Home from Fires 101
Cook with Caution
Never leave the room or become easily distracted while you’re frying, broiling or grilling food. Although cooking takes time, being patient and attentive to what you’re doing is important and could help avoid an unfortunate situation.
This recently happened to our client while she was cooking dinner. She was distracted and left the room while she was cooking and before she knew it, her cabinets caught fire. It is best to avoid circumstances like this, or there is a high probability that your kitchen can catch fire. It is also important to stay close to your kitchen whenever you’re boiling, roasting or baking, and if you ever have to leave the house unexpectedly, always remember to turn off the oven or stove.
Keep Lighters and Matches In Safe Places
Never leave matches and lighters in drawers, or worse, on the table where your children can easily access them. Instead, hide them and place them in cabinets that your children cannot reach and make sure everyone is informed about this household rule.
Check All Electric Cords
Regularly check on all the electric cords in your house, especially those attached to your cooking appliances. Also, don’t forget to check the extension wires in the garage. When a cable looks damaged or cracked or and you see a broken plug, replace it as soon as possible.
Don’t Light Candles
If possible, invest in emergency lights. Don’t use candles when the electricity is out because there is a tendency that you may forget about them. If you ever need to use a candle, place it at least one foot away from anything that is flammable like your furniture or window treatments.
Avoid Crowding Space Heaters
Space heaters are designed to have plenty of space around them regardless if they are portable or fixed. Place your space heater at least three feet away from anything flammable including electronic equipment. Additionally, it is best to turn off your space heater when you go to sleep.
Make Sure You Have Insurance
It is important to protect your property and make sure you have a fire insurance policy. Fire insurance is a type of property insurance that offers coverage for damage or loss to your property caused by fire. In the event you do have to file an insurance claim due to fire or smoke damage, the insurance company will either pay you on a replacement cost basis or actual cash value of the damages.
If you experience fire or smoke damage to your property and you have fire insurance, it is important to hire a public adjuster. A public adjuster will fully document your loss and prepare the required documentation to submit to your insurance company. This will help obtain the claim settlement you are entitled to for the damages sustained.
Are You Looking for a Public Adjuster in Port St. Lucie?
If you need assistance to file a claim for property damage caused by fire, you can count on us!
At Reliant Insurance Adjusters, we have your best interest at heart. We treat your property damage as if it were our own.
Although other companies may offer the same services we do, we strive to give you nothing but the best service by providing you with our knowledge, experience and resources to get the highest possible settlement for your claim. Give us a call to learn more about what we do.